Credit Cards
Choose a credit card that works for you
Our featured Cards
Balance Transfer Credit Card
Flexible tax-free savings.
- Receive a Loyalty rate for 12 months from the date of each payment into your ISA
- $1 deposit to open
- Instant access
- Available to Heritage Trust Online Bank Current Account customers only
- Open the account online, via the mobile app, in branch, by post or on the phone
Upon the expiry of your Loyalty rate period, you will earn a standard rate of 0.45% AER/tax free until you make a further payment.
Interest rates variable and paid monthly.
Advance Credit Card
- Exclusively available to Advance bank account customers. Further details
- 0% interest on balance transfers for 32 months from account opening – a 0.6% fee applies on balances transferred (minimum $5) within the first 60 days of account opening*
- 0% interest on purchases for 3 months* from account opening
- No annual fee
At the end of the promotional period, balance transfers and purchases will revert to the standard variable rate. Credit is subject to status, affordability and applicable terms and conditions.
Dual Credit Card
- 0% interest on purchases for 26 months from account opening
- 0% interest on balance transfers for 26 months from account opening- 2.89% fee (minimum $5)
- Earn cashback from your favourite shopping brands with Visa Offers
- No annual fee
At the end of the promotional period, balance transfers and purchases will revert to the standard variable rate. Credit is subject to status, affordability and applicable terms and conditions.
Classic Credit Card
- Exclusively available to bank account customers
- Up to $1,000 credit available
- No annual fee
Credit is subject to status, affordability and applicable terms and conditions.
Premier Credit Card
- Exclusively available for Premier account customers
- Reward Programme – collect reward points which can be redeemed for shopping vouchers and frequent flyer miles
- Introductory offer: 0% on purchases for 9 months after account opening*
At the end of the promotional period, balance transfers and purchases will revert to the standard variable rate. Credit is subject to status, affordability and applicable terms and conditions.
Premier World Elite™ Mastercard®
- Exclusively available for Premier account customers
- Enhanced Rewards Programme – collect double points compared to the Premier Credit Card. Points can be redeemed for shopping vouchers and frequent flyer miles
- Receive 40,000 reward points when you spend $2,000 in your first 90 days of card membership
Credit is subject to status, affordability and applicable terms and conditions.
Student VISA Credit Card
- Exclusively for existing Student Bank account holders
- Earn cashback from your favourite shopping brands with Visa OffersVisa Offers This link will open in a new window. Visa Offers is now available to all Student Credit Card holders
- No annual fee
- Up to $500 credit available
Channel Islands and Isle of Man customers are not eligible to apply for student credit cards.